| Visa | 
                                                                                                                                        
                                                                        | R | Retry; System unavailable or timed out | 00 | 
                                                                                                                                                                                                                                                                            
                                                                        | I | Address information not verified (International transaction) | 40 | 
                                                                                                                                                                                                                                                                            
                                                                        | G | Address information not verified  for International transaction | 40 | 
                                                                                                                                                                                                                                                                            
                                                                        | U | Address not verified. Issuer not AVS participant or AVS data was present but  issurer did not return result. | 40 | 
                                                                                                                                                                                                                                                                            
                                                                        | C | Street address and postal code not verified: incompatible formats | 45 | 
                                                                                                                                                                                                                                                                            
                                                                        | N | No match | 45 | 
                                                                                                                                                                                                                                                                            
                                                                        | Z | Postal/ZIP matches; street address does not match not included | 47 | 
                                                                                                                                                                                                                                                                            
                                                                        | P | Postal code match. Street address not verified due to incompatible formats | 47 | 
                                                                                                                                                                                                                                                                            
                                                                        | A | Address matches, ZIP does not. | 4D | 
                                                                                                                                                                                                                                                                            
                                                                        | B | Street address match. Postal code not verified: incompatible formats | 4D | 
                                                                                                                                                                                                                                                                            
                                                                        | D | Street Address and postal codes match (International transactions) | 4F | 
                                                                                                                                                                                                                                                                            
                                                                        | M | Street address and postal code match (International transactions) | 4F | 
                                                                                                                                                                                                                                                                            
                                                                        | Y | Street address and postal code match | 4F | 
                                                                                                                                                                                                                                                                                
                                                                                                                                                            | MasterCard | 
                                                                                                                                        
                                                                        | R | Retry: System unable to process | 00 | 
                                                                                                                                                                                                                                                                            
                                                                        | U | No data from issurer / authorization system | 40 | 
                                                                                                                                                                                                                                                                            
                                                                        | N | Neither address nor postal code match | 45 | 
                                                                                                                                                                                                                                                                            
                                                                        | Z | For U.S. addresses, 5-digit postal code matches, address does not. | 46 | 
                                                                                                                                                                                                                                                                            
                                                                        | W | For U.S. addresses, 9-digit postal code matches, address does not; for  address outside the U.S. postal code matches, address does not. | 47 | 
                                                                                                                                                                                                                                                                            
                                                                        | A | Address matches, postal code does not | 4D | 
                                                                                                                                                                                                                                                                            
                                                                        | Y | For U.S. addresses, 5-digit postal code matches, address matches. | 4E | 
                                                                                                                                                                                                                                                                            
                                                                        | X | For U.S. addresses, 9-digit postal code and address match; for address outside  the U.S. postal code and address match | 4F | 
                                                                                                                                                                                                                                                                            
                                                                        | S | AVS currently not supported | 80 | 
                                                                                                                                                                                                                                                                                
                                                                                                                                                            | Amex | 
                                                                                                                                        
                                                                        | R | System available: Retry. | 00 | 
                                                                                                                                                                                                                                                                            
                                                                        | N | Billing address and postal code are both incorrect | 45 | 
                                                                                                                                                                                                                                                                            
                                                                        | Z | Billing postal code only correct | 47 | 
                                                                                                                                                                                                                                                                            
                                                                        | A | Billing address only correct | 4D | 
                                                                                                                                                                                                                                                                            
                                                                        | Y | Yes, billing address and postal code are both correct | 4F | 
                                                                                                                                                                                                                                                                            
                                                                        | S | SE not allowed function | 80 | 
                                                                                                                                                                                                                                                                                
                                                                                                                                                            | Discover | 
                                                                                                                                        
                                                                        | R | Retry, system unable to process. | 00 | 
                                                                                                                                                                                                                                                                            
                                                                        | U | No data from issuer / authorization system | 40 | 
                                                                                                                                                                                                                                                                            
                                                                        | N | Nothing Matches | 45 | 
                                                                                                                                                                                                                                                                            
                                                                        | Z | 5-digit ZIP code matches, address does not | 46 | 
                                                                                                                                                                                                                                                                            
                                                                        | W | Nine-digit ZIP Code matches, address does not | 47 | 
                                                                                                                                                                                                                                                                            
                                                                        | T | 9-digit ZIP matches,address does not | 47 | 
                                                                                                                                                                                                                                                                            
                                                                        | A | Address matches, ZIP does not. | 4D | 
                                                                                                                                                                                                                                                                            
                                                                        | Y | All digits match 5-digit ZIP code | 4E | 
                                                                                                                                                                                                                                                                            
                                                                        | X | All digits match, nine-digit Zip Code | 4F | 
                                                                                                                                                                                                                                                                            
                                                                        | S | AVS not supported | 80 |